Hire A DUI Lawyer

Reader’s Question:

I told my cousin to take his DUI charge here in Texas seriously because I think it’s not just an ordinary case. Am I right in saying that he should hire a lawyer to defend him on his DUI charge?

Martin

Dallas, TX

Being charged for DUI in Texas is not just a simple problem since the legal system is really hard to pass through. The law is in place for DUI offenders and your cousin will not be treated kindly because of his mistake. He may not know what to do and where to find help on his criminal case. That’s why he definitely needs professional advice that can aid him in working through the legal process of his DUI trial.

A DUI lawyer could help him organize for his court appearance and find out what type of penalties he may have and they can help him lower these penalties. For example, if he may be imprisoned, the DUI lawyer could help him have a settlement so he would just to do community service or pay a fine. Your cousin may not like to do those things but it’s actually better than being in prison when he needs to work or do other important things.

To find a DUI lawyer, you can help him by asking friends and other family members who have been in the same situation as your cousin is right now. They say that it’s the easiest way to find a lawyer for a DUI case but if you don’t know anybody who could help, you can just find it through the yellow pages or by going online. He may try to have free consultation first with several DUI lawyers and let him choose the one that he can afford.

5 Moves that Can Kill Your Car Insurance Budget

Reader’s Question:

They say that you will pay more on car insurance premiums if you drive more, is that true? If so, what are the other things I should avoid to keep my car insurance rates from skyrocketing?

Camden

Fort Worth, TX

Yes, simply being on the road more increases your chances of getting into a car accident or collision. Now something like this is a direct risk towards the car insurer’s business. The higher the risk you represent, the bigger rates you’ll be charge so your insurer can compensate. Aside from incurring more mileage, here are a few other things that could cause you to pay more on your coverage, most of the time unnecessarily:

1. Filing Claims Frequently – Claims equals accidents, accidents translates to risk, more risk means more rates. File too much and you’re effectively telling your insurer you’re a lousy driver who deserves to be overcharged on rates.

2. Letting Your Credit Slide – People who have excellent credit tend to be more responsible driver (at least, that’s what your insurer wants to think). So those with excellent credit are given good rates and vice versa.

3. Getting into a Car Accident – Now to be fair, most insurers nowadays tend to forgive your first accident (especially if you’ve been a good driver) however frequently getting tickets and even minor accidents can quickly make your rates astronomical.

4. Moving to the Big City – Why? This is due to the higher risk of getting into a car accident (and filing a claim) due to the increased crime rate and traffic density.

5. Adding a Teen on Your Policy – This is a no-brainer really; we all know that most teens are hardly law-abiding Einsteins when you put them behind the wheel.

Aside from doing your best to avoid most of the above stated factors, going online and running a free car insurance quote will also help you find the best providers and deals allowing you to save money on your policy.

Essential Facts About DUI Auto Insurance In Houston

Reader’s Question:

What sort of penalties or fines is my sister looking at for a drunk driving charge here in Texas?

Fatuma

Houston, TX

It would be to the benefit of Houston motorists to be aware about the laws and penalties Texas has for DUI or Driving Under the Influence offenders. If convicted, one can expect to pay costly fines, immediate revocation of driving privileges, and even the possibility of incarceration. A DUI auto insurance coverage would also be necessary in order to be allowed to drive again after a DUI sentence.

The following are the DUI penalties in the state of Texas: $2,000 in fines, 72 hours to 180 days incarceration, license suspension for a period of 30 days and the need to install (at the driver’s own expense) an Interlock Ignition system on the first offense. Second DUI offense: $4,000 in fines, license suspension from 6 months to a year, and imprisonment from 30 days up to a year. Third DUI offense: $10,000 fine, two to ten years imprisonment and a two-year license suspension.

Most people are also surprised at how much auto insurance rates and premiums increases after a DUI. This is because drivers with a DUI are seen as high-risk motorists. However, you can still save a lot of money by knowing how and where to find the most affordable DUI auto insurance policy available.

The Web is your gateway to getting the most competitive DUI auto insurance policies and offers today. With tons of dedicated online auto insurance portals and DUI websites offering free auto insurance quote checks, comparing companies for the best DUI insurance in Houston is now easier than ever.

If done correctly, you can expect to save hundreds of dollars, and even more, on the right DUI auto insurance policy every year. So save yourself the trouble, with just a few minutes and a bit of effort, the most affordable auto insurance policy for you may just be a few mouse clicks away!

Car Insurance In San Antonio, Texas

Reader’s Question:

I don’t want the same thing to happen to me when my friend got into an accident here in San Antonio because he didn’t know what to do even though it wasn’t his fault. If the same thing happens to me, how do I file for a car insurance claim?

Mariz

San Antonio, TX

In case you get into an accident and suffer injuries, you would have to file a claim on your car insurance in San Antonio. If you are not the one who was at-fault, you could file an insurance claim against the driver who caused the accident.

At the accident site, you have to make sure that you call the police and let them write an accident report. Don’t forget to make a note of the name of the other driver, his/her contact number, address and the information about his car insurance in San Antonio. If you have a camera or even a camera phone with you, take pictures of the scene of the accident. Also, to make a record of your injuries and make sure you are checked up, you can visit the nearest hospital or clinic.

So that your claim would have all its luck to succeed, you have to inform your car insurance company in San Antonio about the accident. You would also have to prove that the other driver was at-fault during the accident. To do this, you have to determine what law the other person violated that brought about the accident. If you have done this, the claim would be filed against the other driver liable for making the accident happen.

Tags: car insurance, car insurance claim

DUI Insurance

Reader’s Question:

How does a DUI case affect my car insurance rates here in Texas?

Jill

Irving, TX

Good question. Having a Drunk Driving case, or more formally known as Driving Under the Influence (DUI)/ Driving While Intoxicated (DWI), or more recently, Operating a Vehicle Under the Influence (OVI), is a very serious offense against your driving record. This can lead to two things car insurance wise depending on the actual nature or gravity of your offense: 1.) You’re car insurance company, upon learning of your DUI, may increase your rates significantly. 2.) You’re car insurance company may decide to terminate or cancel your insurance coverage because your risk as a driver has become too high.

Surprisingly, you may not even notice any changes on your policy at the moment, since car insurance companies only check your record or review your policy generally every one to two years. Regardless, its important to be prepared to get a suitable DUI insurance once you do end up losing your coverage there in Texas, or if your rates become prohibitively expensive.

Here are a few tips to help you out:

1.Know how to get an SR-22 which is simply a form submitted to your state DMV (Department of Motor Vehicles) that confirms you have adequate insurance coverage to be allowed to operate a vehicle again.
2.Take defensive driving classes.
3.The easiest way to shop for the best kind of DUI insurance is to begin online. You can use the free DUI insurance quote tool on this website to help you find and compare the most affordable DUI insurance policies available.

Car Insurance In San Antonio

Reader’s Question:

Aside from the minimum requirements for car insurance here in San Antonio, Texas, what other types of coverage can I purchase? And by the way, I haven’t finished paying the loan on the car that I got.

Haidee

San Antonio, TX

It may be wise to add some other types of coverage for your car insurance in San Antonio. It’s fairly an economical way to protect your well-deserved properties in case you cause an accident. Think about for a second what you possess and the amount of effort you have exerted to get them. Then, reflect about what you would feel if you need to sell them because you have to pay for somebody else’s medical bills. You know that you’re accountable for the damages incurred on the accident, so it may be better to get higher coverage for your car insurance in San Antonio. A lot of us wouldn’t like to pay more for car insurance but in case of an accident, they would be thankful that they are ready.

For your car insurance in San Antonio, you may want to get collision coverage that would pay for the damages on your car caused by other vehicles or properties. Comprehensive coverage is another alternative and this will pay for the damages on your vehicle caused by natural disasters and theft.

Since you haven’t finished paying the loan on your car, you may consider getting Gap insurance together with the liability coverage on your car insurance in San Antonio. Gap insurance pays the difference between the fair-market value and the balance you owe on your car if it is declared as total loss in an accident. Because of that, you’re not liable for paying the balance on the car you no longer own.

Tags: car insurance, collision coverage, comprehensive coverage, gap insurance

Senior Car Insurance Texas TX

Reader’s Question:

I have been arguing with my father, who is a senior citizen, when he asks his car insurance agent to drop his collision and comprehensive coverage. Is my father still going to be protected here in Texas without it? And isn’t it as a senior citizen, he should get discount in any coverage he would be including?

Laura

Brazosport, TX

Senior Citizens have the right to have discounts which includes car insurance policies, but something you should is that most Car Insurance Companies increase car insurance rates when the senior citizen becomes 70 years of age since when a man becomes older and older their physical, hearing, eyesight, and reflexes starts to weaken. This makes the driver risky and car insurance rates higher even if the driver is privileged to have discounts.

As for the Collision and Comprehensive Coverage, once a driver dropped this coverage, he should have enough money to buy for a new car in case an accident occurs for if you drop this coverage you will not have the coverage to have your car fixed. Having only liability insurance might not be enough in case of any accident that my cause you a lawsuit and the petitioner might come after your asset. That it is why it is advisable for a senior citizen to get a high limit of liability here in Texas. You should know that even if the senior citizen is too old to drive but still driving carefully, the insurer are not going to take the risk for statistically speaking too old senior citizens are most likely to get an accident.

Tags: car insurance, collision coverage, comprehensive coverage, senior car insurance

Alleviating Car Insurance Texas TX

Reader’s Question:

My car has been insured for many years now but then I still don’t know how to make it cheaper. I’m planning to get my wife’s car insured too but I’m afraid that car insurance nowadays is really expensive. Are there any tips on how to get a Car Insurance cheaper or ways how to alleviate it here in Texas?

Jim

El Paso, TX

Definitely, everything that we need nowadays is not cheap anymore which includes Car Insurance rates. But even if this is happening in the world there are still ways to ease Car Insurance rates in Texas if you know all the information and know where to look.

First of all, you have to check first how much car insurance you would pay for the car you want to buy. In buying a car here in the State of Texas, you have to know if how much the car attracts thief, how much would it cost you for damages incurred to your car unluckily you got a car accident and how many features your car has to protect you when you are on the road such as airbags, anti lock brakes and anti-theft gadgets. With these things in mind, you will surely have the possible discount you would get. Another way to attain discount is if you have insured several cars and numerous licensed drivers in your car insurance. Credit histories are also important for it suggest that policy owners who have a faultless credit are liable to take care of troubles with the car functioning. And the most important thing is to shop around and search around for car insurance companies that have meet your needs.

Tags: car insurance, cheaper auto insurance

Sports Utility Vehicle Insurance Texas TX

Reader’s Question:

I just bought an SUV here in Texas and I plan to get vehicle insurance for it as soon as I find time. Will it cost more for me to insure an SUV than a regular car?

Richardson, TX

Gauge

Like many people who own Sports Utility Vehicle (SUV), I know that you love what you drive now in Texas. However, auto insurance professionals have a warning on SUV owners that they may have to shell out more money for their insurance than those people who drive smaller vehicles. The amount to get auto insurance for SUV would usually be 10 to 20 percent higher than a car and that will still depend on the area where it is being driven, insurance claims history and credit rating of the owner, among other things. The auto insurance premiums are related to the risk and insurance companies consider an SUV to be of higher risk.

Moreover, auto insurance providers and experts view that an SUV has a lot more odds that is why liability and medical payments coverage damages are of great concern for them. There are larger damages as well in vehicle that collide with an SUV than it will be with a regular smaller car. A lot of SUV owners know that they would have to pay more for auto insurance but many of them feel a lot safer driving their SUV’s. The security status of an SUV or other types of automobile definitely is being considered by car insurance companies to determine the premiums.

Tags: auto insurance premiums, car, car insurance, SUV

Non-Owner Driver Auto Insurance Texas TX

Reader’s Question:

Would my car insurance provider here in Texas still cover me if someone else manages to get my vehicle involved in a car accident?

Miranda

Corpus Christi, TX

I presume you meant to ask if your insurance company will “cover’ for whatever damages or injuries incurred or inflicted in a car accident involving your vehicle being driven by another person. The answer to this depends on a few circumstances and I believe the best way to explain is to give some scenarios:

If the car is being driven by someone who is listed as an ‘occasional driver” or a “named driver” under your policy then it is possible for your auto insurance coverage to pay for liabilities arising from injuries or damages to properties. More so if you were in the car as well during the car accident. Treatment of Injuries to yourself and the driver may also be covered by your auto insurance policy. The coverage could also be extended if the person driving is living under the same household as you are.

If the car was being driven someone who is not listed under your insurance coverage, does not live in the same household nor has your consent to use the vehicle, Liability insurance should still apply and protect you from monetary obligations arising from damages and injuries caused by your vehicle. Up to the limitations of the liability insurance coverage clause, found under your policy.

Of course these are just generalizations and the best way to find out for sure is to get in contact with your car insurance provider there in Texas so they can provide you all the details.

Tags: auto insurance claims, auto insurance premium, car insurance company, car insurance discounts, car insurance quotes

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